What makes us different

Switching your home loan to TSB is simple. Whether it’s our independence for the past 165 years, or our commitment to keep our fees to a minimum that appeals, bringing your home loan over to TSB is easier than you think.


  1. Benefit from our TSB loan features like StepUp, Change Payment and Additional Payment to help pay off your home loan sooner.

  2. Join a bank that’s 100% New Zealand owned and independent.

  3. Experience our award winning service – we’ve won the Consumer NZ People’s Choice award for Banking for three years running.

  4. We’ve gone out of our way to keep fees to a minimum – there’s no monthly fees for our personal accounts.

  5. You can bank on the go with our Online and Mobile Banking, or pop into one of our TSB branches located across the country.

  6. When you need to chat something over, you can call us and there will be a real person there to answer your call. 

Ready to make the switch?

Once you’re ready, talk to one of the team to arrange switching your loan.

We’ll make it easy for you by working with your current bank to arrange everything you need to make the move, including any accounts and payments you’d like to transfer.

We’ll keep you informed of the progress of your switch so you’ll never need to worry – it’s as simple as that!



Chat to us today



Apply for a TSB home loan

Start your application by providing us with your key details. We'll then contact you for any further information we might need and to discuss the next steps. You can also make an appointment with your local branch, give us a call on 0800 872 226 or let our Mobile Mortgage Managers come to you – whenever and wherever suits.

When you’re ready to talk with one of our team, you’ll need to provide us with the following to assess your loan application:

  • Evidence of your income if your wages aren't deposited directly into a TSB account (three months’ bank statements and your two most recent pay slips).
  • Or, updated financial statements for the last two years if you're self-employed.
  • Three months of statements for any credit cards, hire purchases or personal loan facilities.
  • Photo Identification (Driver’s License or Passport - these may need to be certified).

If we need more information or additional documentation, we’ll let you know what else you need to bring along.